Can anything be done about debt collector harassment?
YES!
A consumer is protected from debt collector harassment by the Fair Debt Collection Practices Act (FDCPA). Here are some FAQs about Debt Collector Harassment:
CAN A DEBT COLLECTOR CALL AT ALL TIMES OF THE DAY?
NO, they are prohibited from calling before 8am or after 9pm (your time zone). They may not call you at work if they are told that you are not allowed to get calls.
CAN A DEBT COLLECTOR CONTACT FRIEND, NEIGHBORS OR FAMILY ABOUT MY DEBT?
Yes and No... A debt collector may contact a third party, but only to inquire how to get in touch with you. They ARE NOT permitted to disclose any information about your debt.
WHAT SPECIFIC PRACTICES ARE PROHIBITED BY THE FDCPA?
A debt collector may not:
- make threats of violence
- use obscene language
- call many, many times a day
A debt collector may not make false statements such as:
- claiming to be attorneys
- claiming to be a government official or representative
- claim that by failing to pay the debt you have committed a crime
- claim that you could be arrested unless you pay
A debt collector cannot make threats such as:
- you will go to jail if you don't pay
- they are going to seize your property or garnish your wages unless they intend to take action or follow through with legal action
These are just a few of the actions and practices that are forbidden to debt collectors. Unfortunately, debt collectors habitually violate the FDCPA!
WHAT CAN YOU DO WHEN A COLLECTOR BREAKS THE RULES?
If you think your rights have been violated, contact your state's attorney general's office and file a complaint.
For example, in Oregon, CLICK HERE.
Bottom line...you have rights as a consumer and do not have to put up with debt collector harassment! If you would like help, our Debt Solutions Specialists can answer your questions.
photo by: chmeredith
